US Bank Directory
Banks in Ponderay, ID
2 FDIC-insured banks operate 2 offices in Ponderay, Idaho, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Ponderay
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 5 banks and credit unions operate 5 locations in Ponderay, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Ponderay
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Columbia Bank and Glacier Bank have the most locations in Ponderay, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Columbia Bank Bank · 1
Columbia Bank has 1 branch in Ponderay, 25 across Idaho and 369 nationwide. FDIC records list its main office in Roseburg, OR and show it operating since 1953. With $65.37 billion in total assets on June 30, 2026, it ranks No. 44 of 4,232 U.S. banks by total assets. The Ponderay Branch at 300 Kootenai Cut Off Road dates to 1996 in FDIC branch records. Its published hours do not list Saturday.
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Ponderay Branch300 Kootenai Cut Off Road, 83852
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Columbia Bank branch locator (All The Places), checked Oct 10, 2026
Glacier Bank Bank · 1
Glacier Bank has 1 branch in Ponderay, 37 across Idaho and 261 nationwide. FDIC records list its main office in Kalispell, MT and show it operating since 1955. With $31.58 billion in total assets on June 30, 2026, it ranks No. 69 of 4,232 U.S. banks by total assets. The Ponderay Branch at 476655 Highway 95 dates to 1982 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ponderay Branch476655 Highway 95, 83852
Numerica Credit Union Credit union · 1
Numerica Credit Union has 1 office in Ponderay, 5 across Idaho. It is based in Spokane Valley, WA and $4.34 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Sandpoint200 Bonner Mall Way, 83852
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Potlatch No. 1 Financial Credit Union Credit union · 1
Potlatch No. 1 Financial Credit Union has 1 office in Ponderay, 20 across Idaho. It is based in Lewiston, ID and $2.15 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Ponderay Branch476864 Highway 95 Ste D, 83852
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Spokane Teachers Credit Union Credit union · 1
Spokane Teachers Credit Union has 1 office in Ponderay, 7 across Idaho. It is based in Liberty Lake, WA and $6.38 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Spokane Teachers Credit Union - Bonner County Branch477123 Highway 95, 83852
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Ponderay
3 credit unions have 3 offices here: Spokane Teachers Credit Union, Numerica Credit Union and Potlatch No. 1 Financial Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Ponderay page has every office in the state's directory.
Banking in Ponderay: the local picture
Short answer: 2 banks run 2 branches in Ponderay according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 2 banks, 0 have their main office in Ponderay and 2 out of state, according to the FDIC.
The bank with the longest record here is Columbia Bank, operating since 1953 according to the FDIC. In FDIC branch records, the longest-running branch is Glacier Bank's office at 476655 Highway 95, dating to 1982; the newest is Columbia Bank's at 300 Kootenai Cut Off Road, from 1996.
3 credit unions have 3 offices in Ponderay, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.
Credit unions open on Saturday in Ponderay
Short answer: 1 of the 4 Ponderay locations with published hours opens on Saturday, run by 1 institution.
- Numerica Credit Union: 1 of 1 office (200 Bonner Mall Way: Saturday 9 am to 1 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 5 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Ponderay, and where the nearest one is if they do not.
Short answer: No branches in Ponderay: Chase (nearest in Coeur D'Alene, 43 mi), Wells Fargo (nearest in Sandpoint, 2 mi), Bank of America (nearest in Coeur D Alene, 41 mi), PNC Bank, U.S. Bank (nearest in Sandpoint, 2 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Boise, 325 mi).
| Bank | In Ponderay | Nearest branch if none here |
|---|---|---|
| Chase | None | Coeur D'Alene, 43 miles away |
| Wells Fargo | None | Sandpoint, 2 miles away |
| Bank of America | None | Coeur D Alene, 41 miles away |
| PNC Bank | None | none in Idaho |
| U.S. Bank | None | Sandpoint, 2 miles away |
| Truist | None | none in Idaho |
| Fifth Third Bank | None | none in Idaho |
| Huntington | None | none in Idaho |
| Regions Bank | None | none in Idaho |
| TD Bank | None | none in Idaho |
| BMO | None | Boise, 325 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ponderay to the nearest branch in Idaho.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Ponderay residents like anyone else.
Banks near Ponderay
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Sandpoint (2 miles) and Bonners Ferry (28 miles). Coeur D Alene, 44 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Sandpoint, ID | 2 mi | 6 | 6 |
| Banks in Bonners Ferry, ID | 28 mi | 3 | 3 |
| Banks in Rathdrum, ID | 37 mi | 2 | 2 |
| Banks in Hayden, ID | 40 mi | 4 | 4 |
| Banks in Coeur D Alene, ID | 44 mi | 12 | 20 |
| Banks in Post Falls, ID | 45 mi | 7 | 7 |
| Banks in Kellogg, ID | 56 mi | 2 | 3 |
| Banks in Moscow, ID | 111 mi | 7 | 7 |
Bank branch openings and closings in Ponderay
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ponderay between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Ponderay by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ponderay offices.
Short answer: Columbia Bank is the largest bank with offices in Ponderay, with $65.37 billion in total assets on June 30, 2026, No. 44 among U.S. banks by total assets. Glacier Bank is second with $31.58 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Columbia Bank | $65.37 billion | No. 44 | 1 | Roseburg, OR |
| Glacier Bank | $31.58 billion | No. 69 | 1 | Kalispell, MT |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Ponderay: FAQ
How many banks are in Ponderay, ID?
Ponderay has 2 banks with 2 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Ponderay?
Columbia Bank, with 1. Glacier Bank has 1.
Is there a Columbia Bank in Ponderay, ID?
Yes. FDIC data lists 1 Columbia Bank branch in Ponderay as of September 5, 2026. The address and directions are under Columbia Bank above.
Is there a Glacier Bank in Ponderay, ID?
Yes. FDIC data lists 1 Glacier Bank branch in Ponderay as of September 5, 2026. The address and directions are under Glacier Bank above.
Is there a Chase in Ponderay, ID?
No. FDIC data lists no Chase branch in Ponderay as of September 5, 2026. The nearest is in Coeur D'Alene, about 43 miles away in a straight line.
Which banks in Ponderay are open on Saturday?
Numerica Credit Union publishes Saturday hours for one or more Ponderay locations. The Saturday section above lists each one with its hours. 1 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Ponderay?
Columbia Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1953.
Which credit unions can I join in Ponderay?
Spokane Teachers Credit Union, Numerica Credit Union and Potlatch No. 1 Financial Credit Union have offices in Ponderay. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ponderay in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Ponderay?
Nearby cities with more banks include Sandpoint, Bonners Ferry, Rathdrum. Sandpoint is 2 miles away with 6 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 2 branches: Columbia Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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